The story doesn't actually start until 20,000 words.
I've recently discovered that when starting a new novel, it can take you approximately 20,000 words before you REALLY get into the story. Before it really starts flowing and you get a sense of where you’re going.
So keeping that in mind, write away!
One of the crucial words of wisdom I absorbed from reading Stephen Kings book, ON WRITTING, is to just write/start. The first draft is always the roughest, so know that and get over it...and past it.
Get the story out, and worry about the rest, later.